BUILDWISE
Investment Model Portfolios

Total Available Funds: 23

Investment Description
American Century In Retire Trust Fund
American Century Retire Date 2025 Trust Fund
American Century Retire Date 2030 Trust Fund
American Century Retire Date 2035 Trust Fund
American Century Retire Date 2040 Trust Fund
American Century Retire Date 2045 Trust Fund
American Century Retire Date 2050 Trust Fund
American Century Retire Date 2055 Trust Fund
American Century Retire Date 2060 Trust Fund
American Century Retire Date 2065 Trust Fund
Cohen & Steers U.S. Realty Class
John Hancock Core Plus Fixed Income Trust Fund
Principal CIT Diversified International Equity Fund
Principal CIT Equity Income Fund
T. Rowe Price Large Cap Growth Fund
Wilmington Trust Franklin Small Cap Value Fund
Fidelity
Fidelity Emerging Markets Index
Fidelity International
Fidelity Mid Cap
Fidelity Small Cap
Fidelity US Bond
Invesco Discovery Fund

We provide two types of investment model portfolios for BUILDWISE participants. You can customize and follow a model portfolio in your plan account.

Types of portfolio strategies

Strategic asset allocation portfolio: It invests in a diversified portfolio of multiple assets, buy-and-hold without frequently changing the asset allocation weights.
- Suitable: For long-term (more than 15 years, preferably more than 20 years), want to be tax efficient and can withstand interim drawdown or loss as high as 50% or more.
- Pros:
  - Less error-prone
  - Infrequent rebalancing or transactions
  - Tax efficient for taxable brokerage investments
- Cons:
  - Interim loss or drawdown can be substantial
  - Possible low returns for an extended period, such as 10 years or longer
Tactical asset allocation portfolio: it invests in a diversified portfolio of multiple assets, dynamically adjust stock and bond allocations to minimize losses during market stress.
- Suitable: For long-term (more than 10 years or preferably longer) capital. Investors are willing to rebalance as frequent as monthly.
- Pros:
  - Reduce large interim loss or drawdown
  - Less sensitive to investment entry point
  - Likely to improve returns
- Cons
  - Demand more frequent rebalancing or transactions
  - Less tax efficient — more suitable in a tax-deferred account such as 401(k) or IRA
  - Can experience a period of lower returns compared to a broad-based strategic allocation or a buy-and-hold benchmark, especially in some bull markets

These portfolios are proactively monitored and rebalanced on a monthly basis when needed, ensuring it remains in line with its target allocation.

Let us know (Email us) if you need help to create a custom model portfolio for your plan.